[IPS News] 4.4: Recurring PayPal Payments and more with Braintree and Commerce

Rekomendowane odpowiedzi

Braintree is a payment gateway provided by PayPal which provides some great additional features for PayPal transactions including a significantly improved recurring payments model. We are delighted to be bringing full support for Braintree for Commerce in Invision Community 4.4.

What is Braintree?

Braintree is a payment gateway provided by PayPal which supports taking payments by credit cards (including Apple Pay and Google Pay) and Venmo as well as PayPal, providing a good option for communities wanting to use a single payment gateway, and also brings improved functionality for recurring PayPal transactions.

For PayPal transactions, there are no additional fees and the checkout experience uses the normal PayPal experience your customers are used to.

Recurring PayPal Improvements

Recurring payments / Billing Agreements in PayPal have up until now been initiated by PayPal. Invision Community tells PayPal what the renewal terms of a purchase are, but then it's up to PayPal to take that payment and notify your community when it succeeds (or fails).

This comes with a number of limitations and problems. It makes it difficult for you as an admin to modify an existing purchase or for the customer to upgrade/downgrade. It also means the customer has to create separate Billing Agreements for each purchase. Most significantly though, it means if there is a delay in receiving the payment (such as an expired card) it is sometimes unclear what should happen on your community's end, and how it can be resolved if/when the payment is received.

Other payment gateways work the other way around. When a customer pays by card, for example, they have the option of storing their card details. Later, if they make another purchase or a renewal invoice is generated, Invision Community can tell the gateway to recharge the same card - and if it fails, allow the customer to provide an alternative payment method. This allow both you and your customers to have much greater control, and is much more reliable.

Braintree resolves this by allowing customers when paying with PayPal to save their PayPal account in the same way they would save a credit card on file. When paying with PayPal, users will see a simple checkbox which, if checked, will allow future payments to be taken with PayPal automatically.

Storing PayPal Accounts for Recurring Payments

Other Features

In addition to an improved checkout experience, our integration with Braintree supports:

Taking payments by Credit Card, including 3DSecure checking and the ability for customer to store card details on file. Braintree uses a fully PCI-compliant method of taking card details in a way that ensures the card information never reaches your server.

Apple Pay and Google Pay

Venmo, which also allows storing accounts in the same way as PayPal accounts.

Offering PayPal Credit

Handling chargebacks/disputes

Support for Braintree's Advanced Fraud Tools

A Disputed PayPal Transaction

Existing Setups and Upgrading

The existing PayPal gateway will continue to be available for basic PayPal integration, and your existing set up will continue to work exactly as it does now after upgrading.

If you are using PayPal, especially if you are using Billing Agreements, we strongly recommend switching to Braintree after upgrading. While it isn't possible to convert existing Billing Agreements, you can allow existing ones to continue to work and use Braintree for new purchases.

Please note that while existing setups will work fine, from 4.4 it will no longer be possible to set up a new PayPal method with either Billing Agreements, or to take payments by card, as PayPal has deprecated the API this was using in favour of Braintree and it can no longer be enabled on new accounts.

As mentioned though, this does not affect any existing setups, which, if you do not switch to Braintree, will continue to work as they do now.